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Will mortgage rates drop in 2026? Shelby Renfeld with The Renfeld Group and Wes Kleckley from Pilgrim Mortgage break down exactly what's happening with mortgage rates, housing market predictions, and when buyers should make their move. After the wild ride from 2020's record-low rates (some as low as 1.75%!) to 8% highs in 2022, the market is finally stabilizing. In this conversation, we cover: What You'll Learn: ✅ Where mortgage rates are heading by end of 2026 (experts predict high 5s) ✅ Why applications are up 75% month over month right now ✅ How Fed rate cuts will impact your home buying decision ✅ The difference between buying luxury homes vs starter homes in this market ✅ Why spring 2026 could be the turning point for both buyers and sellers ✅ Real strategies for buyers dealing with higher rates today Key Topics Covered: 🏡 Mortgage rate history from pandemic to present 📊 2026 housing market forecast and inventory predictions 💰 How to navigate equity losses from 2020-2021 purchases 📈 Federal Reserve actions and their impact on mortgage rates 🏠 Builder activity and new construction outlook ⏰ Timestamps: 0:00 Introduction - Meet the Experts 2:15 The Wildest 5 Years in Mortgage History 5:30 Where Rates Are Now & What's Coming 8:45 Fed Rate Cuts & Government Housing Initiatives 11:20 Dealing with Equity Loss from 2020-2021 Purchases 14:10 2026 Market Predictions & Expert Forecast Whether you're a first-time homebuyer waiting for rates to drop or a seller wondering about spring market conditions, this expert analysis gives you the real numbers and realistic timelines for making your move. Guest: Wes Kleckley - Pilgrim Mortgage 830-392-0784 customercare@pilgrimmtg.com www.pilgrimmtg.com Ready to talk about your home-buying or selling strategy? Shelby Renfeld - The Renfeld Group at Keller Williams Heritage 📞 Call/Text: 916-521-5832 📧 Email: shelby@therenfeldgroup.com 🌐 Website: www.therenfeldgroup.com Connect with The Renfeld Group: Facebook: / therenfeldgroup Instagram: @therenfeldgroup Serving New Braunfels, Texas & the Hill Country | Luxury Real Estate Specialists #MortgageRates #HomeBuying #RealEstateMarket